This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, BATOTE branch in BATOTE. The 11-digit IFSC PSIB0000231 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the BATOTE location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Punjab and Sind Bank – BATOTE is PSIB0000231. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000231 map to this branch in BATOTE, JAMMU AND KASHMIR.
Bank profile
Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Batote branch — IFSC PSIB0000231 — extends the bank's services to customers in and around Batote, Jammu and Kashmir.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Batote |
| IFSC Code | PSIB0000231 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BATOTE, DISTT. DODA, JAMMU & KASHMIR - |
| City | Batote |
| District | Doda |
| State | Jammu and Kashmir |
| STD Code | 1998 |
| Phone | 244247 |
About the Batote branch
The Batote branch of Punjab and Sind Bank is situated at BATOTE, DISTT. DODA, JAMMU & KASHMIR -. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PSIB0000231 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab and Sind Bank's BATOTE branch came to be assigned the code PSIB0000231.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PSIB0000231, money simply cannot be routed to the BATOTE branch electronically.
Products and account variants supported
Every account opened at the Batote branch is mapped to IFSC PSIB0000231 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab and Sind Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains PSIB0000231.
Products and services
Customers walking into the Batote branch can access most of Punjab and Sind Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC PSIB0000231
How to transfer money using IFSC PSIB0000231
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PSIB0000231 across all three.
NEFT to Punjab and Sind Bank, BATOTE using IFSC PSIB0000231
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PSIB0000231, and confirm that the system picks up Punjab and Sind Bank – BATOTE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PSIB0000231
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab and Sind Bank – BATOTE, ensure your bank's portal accepts IFSC PSIB0000231 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab and Sind Bank BATOTE (IFSC PSIB0000231)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000231 in your mobile or internet banking app, and the money is credited to the BATOTE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Batote
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PSIB0000231:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at BATOTE is still linked to IFSC PSIB0000231.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC PSIB0000231
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab and Sind Bank – BATOTE is still mapped to IFSC PSIB0000231. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PSIB0000231 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Batote branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PSIB0000231 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Batote branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000231 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab and Sind Bank – BATOTE:
- The IFSC is exactly PSIB0000231 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Punjab and Sind Bank as the bank name and BATOTE as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Batote branch
The branch is located at BATOTE, DISTT. DODA, JAMMU & KASHMIR -, which puts it inside Batote, the broader Doda district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank Batote branch” — the verified location pin for IFSC PSIB0000231 should appear at the top of the results.
- Confirm the branch is open by calling 1998-244247 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PSIB0000231 and your account number.
Verifying IFSC PSIB0000231 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PSIB0000231 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1998-244247.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Batote are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PSIB0000231 continue to work without interruption.
Branch address & contact
Punjab and Sind BankBatote Branch
BATOTE, DISTT. DODA, JAMMU & KASHMIR -
Batote, Jammu and Kashmir
Phone: 1998-244247
IFSC: PSIB0000231
Frequently asked questions
How quickly will an NEFT transfer using PSIB0000231 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Batote reflect within 30 minutes.
Is IFSC PSIB0000231 valid for NEFT and RTGS?
Yes. IFSC PSIB0000231 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PSIB0000231 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0000231 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Batote branch but serve different purposes.
Is IFSC PSIB0000231 the same for all accounts at Batote branch?
Yes. The IFSC PSIB0000231 is shared by every account held at Punjab and Sind Bank's Batote branch. Only the account number changes from customer to customer.
Does Punjab and Sind Bank Batote branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1998-244247 to confirm.
What is the phone number of Punjab and Sind Bank Batote branch?
You can reach the branch at 1998-244247 during regular banking hours.
How do I add Punjab and Sind Bank Batote as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0000231, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PSIB0000231 belongs to Punjab and Sind Bank's BATOTE branch, located at BATOTE, DISTT. DODA, JAMMU & KASHMIR - in BATOTE, JAMMU AND KASHMIR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
